FHA Loan Limits in Turner County, South Dakota (2026)
From Turner County, FHA buyers in Turner County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Turner County — Turner County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Minnehaha and Pennington Counties.
What can you buy with FHA in Turner County?
An FHA buyer near Turner County faces an estimated $348,000 median, a $12,180 down payment, and — after South Dakota's 1.17% property tax — a monthly cost around $2,714. That suits household income of roughly $105,000, above South Dakota's $69,457 median household income, so budget carefully.
FHA payment scenarios in Turner County
Whether you are buying in Turner County or a smaller Turner County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $251,000 | $8,785 | $1,990 |
| Local median — $348,000 | $12,180 | $2,714 |
| At the FHA limit — $541,287 | $18,945 | $4,156 |
Estimates include FHA MIP plus South Dakota property taxes and insurance. Rates move daily near Turner County too — get notified.
Buyers across Turner County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,180 down payment near Turner County into little out of pocket.
Multi-unit FHA limits in Turner County
Investors and house-hackers in Turner County and across Turner County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Turner County for 2026?
- In Turner County (Turner County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Turner County with FHA?
- For a median-priced ($348,000) Turner County home, plan on income around $105,000 at a 31% housing ratio — about $2,714/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Turner County?
- 3.5% with a 580+ score — roughly $12,180 on a $348,000 Turner County-area home. Gift funds are allowed.
- Is Turner County a high-cost FHA area?
- No — Turner County uses the $541,287 national floor for one unit.